Toby Hines

I’m a Chartered Financial Planner, but most people don’t come to me because of the title. They come because something’s shifted - a job change, the sale of a business, the thought of retirement getting closer, and they’re asking, am I doing the right things with my money? They want to feel more in control. Less guesswork, more clarity. Not a spreadsheet full of assumptions, but a real conversation about what they want from life, and how to get there. That’s where we start. Before we look at numbers, we talk about your life, your values, priorities, and what a good future looks like for you and your family. Then we build a financial plan that supports that vision. One that gives you answers to the big questions: • When can I afford to retire? • Can I afford to step back from work now? • Can I help my children without compromising my own future? • Am I on track? • Do I have enough? • How much is enough for me? • What do I need to do to have enough? We map out your income, assets, pensions, investments, and tie it all together in a clear plan. A plan that’s flexible, realistic, and designed to give you confidence in the decisions ahead. And if the plan calls for it, I’ll advise on the right financial products, but only where they serve the bigger picture. This work is ongoing. Life changes, markets move, priorities shift , so we check in, revisit the plan, and keep it relevant. If you’re looking for someone who listens, challenges gently, and brings structure to what can feel like a messy set of questions, that’s the space I work in. You can find out more about how I work at betterlifefp.co.uk. or contact me on 01326 33 33 55